Home Insurance
HomeInsuranceProduct DisclosureStatement (PDS)5 April 2021
Important informationThis document is a Product Disclosure Statement (PDS) and contains important information about the home insurance we offer. This PDSforms part of your policy with us. Please read it carefully and keep it in a safe place.This PDS is provided by Commonwealth Insurance Limited ABN 96 067 524 216, AFSL 235030 (CIL). CommInsure is a registeredbusiness name of CIL. CIL is a wholly owned non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124(Commonwealth Bank) and is the insurer for this product. The Commonwealth Bank and its related entities are jointly referred to in thisdocument as the Commonwealth Bank Group.In the Australian Capital Territory, Tasmania and Western Australia, CIL offers Domestic Workers’ Compensation Cover as an agent forAllianz Australia Insurance Limited ABN 15 000 122 850 (Allianz).The Commonwealth Bank Group (other than CIL) does not guarantee the obligations or performance of CIL or Allianz or the products theyoffer. CIL does not guarantee the obligations or performance of Allianz or the products it offers.The information provided in this PDS has been provided in accordance with Australian laws and may not have satisfied the laws of othercountries. The products and services described in this PDS are not available in countries or to residents of countries where it is unlawful toprovide the information included in this PDS or where it is unlawful to offer the products and services.All examples or illustrations in this PDS are only intended to demonstrate how certain benefits are calculated and/or apply. All benefits arecalculated in accordance with the relevant policy terms.The words and phrases appearing in this PDS have special meanings as set out in the Glossary on pages 3 to 4.All monetary amounts referred to in this PDS are in Australian dollars and include GST.The information in this PDS is subject to change. Materially adverse changes will be communicated to existing policyholders via a PDS orSupplementary PDS (SPDS). Where a change of information is not materially adverse we will not notify existing policyholders, howeveryou will be able to obtain the information about any change by contacting us. We will always issue a PDS (and any relevant SupplementaryPDS) when a new policy is purchased.The information in this PDS will help you to: decide whether this product will meet your needs; and compare this product with other products you may be considering.This PDS does not take into account your individual objectives, financial situation or needs. You should consider this information in relationto your own circumstances before making any decision about this product.If you have difficulty understanding this document, it is important that you seek assistance before entering into a policy with us.For more information about how we calculate premiums, excesses and discounts, or examples of how we may settle claims, please refer toour Premium, Excess and Discount Guide which can be found:At commbank.com.au/insurancehome; orCall us on 13 2423
IndexHow this policy works 2Additional Benefits 39Glossary 3Alternative accommodation costs 39Summary of cover 5Contents in transit 40Summary of maximum claim limits 8Damage by emergency services 40Your home insurance policy 13Demolition and debris removal costs 41The importance of answering our questions correctly 16Domestic pet cover 41Important information about your sum/s insured 17Emergency work and temporary repairs 42Paying your premium 19Loss of rent 42How we calculate your basic premium 20Matching benefit 43Residential Home Package – Building Cover 21Mortgage discharge 44Residential Home Package – Contents Cover 23Moving within Australia 44Investment Home Package – Building Cover 25Storage fees 45Investment Home Package – Contents Cover 27Temporary removal of your contents 45Insured Events 29Visitors’ property 46Accidental glass breakage 29Optional Covers 47Animal damage 30Accidental damage 47Burning out of electric motors and power surge 30Domestic Workers’ Compensation Cover 48Earthquake 31Loss of rent extra 49Explosion 31Malicious damage or theft by tenants 50Fire 32Portable Contents Cover 51Flood 32General Exclusions 54Lightning 33Excesses 57Malicious act including vandalism 33How to make a claim 58Riot and public disturbances 33How we settle a claim 61Storm 34What happens to your policy after a total loss? 65Sudden escape of liquid 35Do you have a complaint? 66Sudden impact 36Privacy of your personal information 67Theft or attempted theft 36Financial Claims Scheme and General Insurance Codeof Practice 71Legal liability 37How to contact us 72Home Insurance Product Disclosure Statement (PDS) – 5 April 20211
How this policy worksCommInsure Home Insurance provides cover for the domestic home you or your tenants live in.CommInsure Home Insurance is not designed to cover commercial properties, business premises orbusinesses run from a domestic home.This policy provides cover for a defined list of insurable events. It is not a maintenance policy and doesnot pay out to rectify building defects or faulty workmanship, to improve bad design, or to resolve issuesthat have occurred due to insufficient maintenance or general wear and tear.Our home insurance provides cover for: Insured Events (see pages 29 to 38); Additional Benefits (see pages 39 to 46); and Optional Covers when selected by you (see pages 47 to 53).However, cover is limited by: General Exclusions (see pages 54 to 56) that apply to the whole policy, excluding DomesticWorkers' Compensation Cover; exclusions that are specific to individual Insured Events, Additional Benefits and Optional Covers; and limits on the amount we will cover for certain items and benefits.We offer the following options: Residential Home Package Investment Home Package Portable Contents CoverPortable Contents Cover is available as a standalone policy or as an Optional Cover on a ResidentialHome Package. It is not available on an Investment Home Package.If you purchase our home insurance, we will send you a Certificate of Insurance which will include detailsof the Cover/s and Optional Cover/s you have selected and the Period of Insurance.It is important to read this entire PDS carefully to make sure you have the cover that suits your needs.2Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
GlossaryThere are words and phrases used throughout this PDS that have special meanings. The meaning foreach of these is provided below and should be considered when reading this PDS.BuildingFamily memberSee pages 21 to 22 and 25 to 26.The following people, if they usually live with youat the insured address:Certificate of Insurance your relatives;The document issued to you after you purchasea policy, before you renew your insurance andwhenever you amend your policy. It details: your spouse/de facto partner and their relatives; dependents that you or your spouse, partneror de facto are responsible for; or a carer of a family member as defined herein. your Cover/s, including any Optional Coversyou have selected; andthe Period of Insurance.In this PDS, when we refer to your Certificate ofInsurance, we are referring to the most recentcopy that we have issued to you.It does not mean flatmates, friends or boarders.Farming Your Certificate of Insurance includes any specialconditions that apply to your policy.The growing or tending of crops, livestock orpoultry; the harvesting of produce derived from crops,livestock or poultry; and/orContents the agistment of animals.See pages 23 to 24 and 27 to 28.FireDomestic pet/sThe state of burning that produces flame.Domestic dog/s, cat/s or bird/s owned by you or afamily member.FloodExcessAn amount you must contribute when we paya claim.The excess amount/s are stated on yourCertificate of Insurance.EventOne single incident, or a series of incidentsarising from the same originating cause, thatwas unexpected and has directly caused the lossor damage.The covering of normally dry land by water thathas escaped or been released from the normalconfines of: any lake, river, creek or other naturalwatercourse, whether or not altered ormodified; or any reservoir, canal, or dam.GradualHappening by degrees or little by little, eithercontinuously or intermittently.Insured addressThe address stated on your Certificate ofInsurance as the insured address. This includesany adjoining land that a statutory authority hasmade you responsible for as owner or occupier.Home Insurance Product Disclosure Statement (PDS) – 5 April 20213
Insured EventUnoccupiedAn event covered under your policy as shown onpages 29 to 38.The insured address is not visited and slept at, byyou or someone with your consent, at least oncea month.Malicious actAn act done with the intention of causingloss or damage, or with reckless disregard forthe consequences.We, our, us, CIL, CommInsureOpen airYou, your, yourselfAny area of the insured address that is outsidea permanent lockable structure that is fullyenclosed by walls and a roof.The person/s named as the policyholder/s on yourCertificate of Insurance.Commonwealth Insurance LimitedABN 96 067 524 216.Period of InsuranceThe period for which we have agreed to provideinsurance as stated on your Certificate of Insurance.If your policy is cancelled, by you or us, the Periodof Insurance ends on the date the cancellationbecomes effective.Portable ContentsSee pages 51 to 53.Road vehicleAny motor vehicle designed principally fortransport on public roads.Storm violent wind (including cyclone); rain, hail or snow of unusual volume, forceor duration.Tenant/sThe person/s who have the right to occupy yourinsured address under a Residential TenancyAgreement or equivalent legal agreement.Tools of tradeAny tools obtained for use in a trade orprofessional capacity.4Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
Summary of coverThe following tables illustrate the Insured Events we cover, the Additional Benefits we provide and theOptional Covers available for: Residential Home Package – Building Cover (see pages 21 to 22) Residential Home Package – Contents Cover (see pages 23 to 24) Investment Home Package – Building Cover (see pages 25 to 26) Investment Home Package – Contents Cover (see pages 27 to 28) Portable Contents Cover (see pages 51 to 53)It is important to note this is a summary only and the full terms and conditions are located within thisPDS. Limits and general exclusions may apply to your claim and are described in the relevant sections ofthis PDS.Building and Contents coversResidential Home PackageInsured EventsInvestment Home PackageBuildingContentsBuildingContentsAccidental glass breakage Animal damage Burning out of electric motorsand power surge Earthquake Explosion Fire Flood Legal liability *Lightning Malicious act including vandalism Riot and public disturbances Storm Sudden escape of liquid Sudden impact Theft or attempted theft * Strata Titled properties only.Home Insurance Product Disclosure Statement (PDS) – 5 April 20215
Residential Home PackageAdditional BenefitsInvestment Home PackageBuildingContentsBuildingContentsAlternative accommodationcosts ** Contents in transit Damage by emergency services Demolition and debris removalcosts Domestic pet cover Emergency work and temporaryrepairs Loss of rent *Matching benefit Mortgage discharge * *Moving within Australia Storage fees Temporary removal of yourcontents Visitors’ property * Strata Titled properties only.** Not available in all situations, see policy section for details.6Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
Residential Home PackageOptional CoversInvestment Home PackageBuildingContentsBuildingContentsAccidental damage Domestic Workers’Compensation Cover Loss of rent extra Malicious damage or theft bytenants Portable Contents Cover Available for an additional premiumPortable Contents CoverThis covers you against theft and the accidental loss or damage (even if the cause is unknown) of yourportable contents.BenefitsPortable Contents CoverCovered anywhere in Australia and New Zealand. Covered elsewhere in the world for the first 30 days of your trip. Home Insurance Product Disclosure Statement (PDS) – 5 April 20217
Summary of maximum claim limitsSum insuredYour Certificate of Insurance shows the amount you are insured for under your policy as the: building sum insured; contents sum insured; Legal liability sum insured; or Portable Contents Cover sum/s insured.We will pay no more than the sum/s insured shown on your Certificate of Insurance unless we havestated differently under any of the: Insured Events (see pages 29 to 38); Additional Benefits (see pages 39 to 46); Optional Covers (see pages 47 to 53); or Gap Cover (see pages 18 and 62).Residential Home Package – Building CoverIf we pay a building claim under your Residential Home Package, the following limits apply:8Building CoverMaximum Claim LimitThe item that exploded, if we pay a claim underthe Insured Event 'Explosion' – See page 31Up to 1,000 in totalThe item from which the liquid escaped, if wepay a claim under the Insured Event 'Suddenescape of liquid' – See page 35Up to 500 in totalStorage fees – See page 45Up to 120 daysDomestic pet cover – See page 41 Up to 1,000 for veterinary expenses Up to 3,000 for alternativeaccommodationAlternative accommodation costs – See page 39Up to 52 weeksGap Cover – See pages 18 and 62Up to an additional 25% of your building suminsuredHome Insurance Product Disclosure Statement (PDS) – 5 April 2021
Residential Home Package – Contents CoverIf we pay a contents claim under your Residential Home Package, the following limits apply:Contents CoverMaximum Claim LimitCash, gift cards or negotiable instrumentsUp to 500 in totalContents that are in the open air (includinginside a shipping container) at your insuredaddress at the time they are stolen or damagedUp to 10% of your contents sum insured in totalFood and refrigerated prescription medicines(under the Insured Event 'Burning out of electricmotors and power surge')Up to 750 in totalFood (except under the Insured Event 'Burning outof electric motors and power surge')Up to 750 in totalUnregistered motorcycles with an enginecapacity of 125cc or lessUp to 1,000 in totalAccessories and spare parts of motor vehicles,motorcycles, caravans, trailers, aircraft,motorised watercraft or motorised selfpropelled vehiclesUp to 1,000 in totalJewellery and watches (including smartwatches)Up to 25% of your contents sum insured.Additional jewellery and watches (including smartwatches) can be insured under Portable ContentsCover if the value of your jewellery and watchesexceeds the maximum claim limitContents items that form part of a pair, set orcollectionThe value of the part of the pair, set or collectionthat is lost or damaged, up to your contentssum insuredThe item that exploded, if we pay a claim underthe Insured Event 'Explosion' – See page 31Up to 1,000 in totalThe item from which the liquid escaped, if wepay a claim under the Insured Event 'Suddenescape of liquid' – See page 35Up to 500 in totalMoving within Australia – See page 44No more than 14 daysTemporary removal of your contents –See page 45Up to 20% of your contents sum insuredContents in transit – See page 40Up to 20% of your contents sum insuredHome Insurance Product Disclosure Statement (PDS) – 5 April 20219
Contents CoverMaximum Claim LimitVisitors’ property – See page 46Up to 2,000 in totalStorage fees – See page 45Up to 120 daysDomestic pet cover – See page 41 Up to 1,000 for veterinary expenses Up to 3,000 for alternativeaccommodationAlternative accommodation costs – See page 39Up to 52 weeksGap Cover – See pages 18 and 62Up to an additional 25% of your contents suminsuredIf we pay a Legal liability claim for Building and/or Contents Cover under your Residential HomePackage, the most we will pay for your legal liability is:Legal liability Insured EventMaximum Claim LimitLegal liability arising out of the same accidentor underlying cause – See pages 37 to 38Up to 20 millionReasonable legal costs and expenses of lawyerswe appoint acting on your behalf – See pages37 to 38Up to 500,000Investment Home Package – Building CoverIf we pay a building claim under your Investment Home Package, the following limits apply:Building CoverMaximum Claim LimitThe item that exploded, if we pay a claim underthe Insured Event 'Explosion' – See page 31Up to 1,000 in totalThe item from which the liquid escaped, if wepay a claim under the Insured Event 'Suddenescape of liquid' – See page 35Up to 500 in totalLoss of rent – See pages 42 to 43Up to 52 weeksLoss of rent extra – Optional Cover –See page 49 Up to 16 times the weekly rent Expenses to evict your tenant up to 1,500 Expenses incurred to re-tenant your insuredaddress up to 500Storage fees – See page 4510Up to 120 daysHome Insurance Product Disclosure Statement (PDS) – 5 April 2021
Building CoverMaximum Claim LimitGap Cover – See pages 18 and 62Up to an additional 25% of your building suminsuredInvestment Home Package – Contents CoverIf we pay a contents claim under your Investment Home Package, the following limits apply:Contents CoverMaximum Claim LimitContents that are in the open air (includinginside a shipping container) at your insuredaddress at the time the item/s are stolen ordamaged.Up to 10% of your contents sum insured in totalContents items that form part of a pair, set orcollection.The value of the part of the pair, set or collectionthat is lost or damaged, up to your contentssum insuredThe item that exploded, if we pay a claim underthe Insured Event 'Explosion' – See page 31Up to 1,000 in totalThe item from which the liquid escaped, if wepay a claim under the Insured Event 'Suddenescape of liquid' – See page 35Up to 500 in totalTemporary removal of your contents –See page 45Up to 20% of your contents sum insuredMoving within Australia – See page 44No more than 14 daysContents in transit – See page 40Up to 20% of your contents sum insuredLoss of rent – See pages 42 to 43Up to 52 weeksLoss of rent extra – Optional Cover –See page 49 Up to 16 times the weekly rent Expenses to evict your tenant up to 1,500 Expenses incurred to re-tenant your insuredaddress up to 500Storage fees – See page 45Up to 120 daysGap Cover – See pages 18 and 62Up to an additional 25% of your contents suminsuredHome Insurance Product Disclosure Statement (PDS) – 5 April 202111
If we pay a Legal liability claim for Building and/or Contents Cover under your Investment HomePackage, the most we will pay for your legal liability is:Legal liability Insured EventMaximum Claim LimitLegal liability arising out of the same accidentor underlying cause – See pages 37 to 38Up to 20 millionReasonable legal costs and expenses of lawyerswe appoint acting on your behalf – See pages37 to 38Up to 500,000Portable Contents CoverIf we pay a claim under Portable Contents Cover, the following limits apply:BenefitsMaximum Claim LimitCovered anywhere in Australia and NewZealand – See pages 51 to 53The amount/s listed on your Certificate ofInsurance, less any applicable excessCovered elsewhere in the world – See pages51 to 53The first 30 days of your trip for the amount/slisted on your Certificate of InsurancePackaged Cover – See pages 51 to 53Up to 1,000 per item; and/orUp to the maximum claim limit listed on yourCertificate of Insurance,less any applicable excess, which will bededucted from your total claim payment.12Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
Your home insurance policyYour policy commences if: we agree to insure you; and you agree to and pay us the amount we confirm to be your premium by the due date.The commencement date of your policy will be the date shown on your Certificate of Insurance.Your policy is your contract of insurance with us and consists of: this PDS and any Supplementary PDS (SPDS) we may issue to you; and your Certificate of Insurance including any special conditions that apply to your policy; and details of the premium payable and the due date for the instalments (when you have chosen topay by instalments) which can be found in the payments section of the cover letter provided inconnection with your Certificate of Insurance.Your Certificate of Insurance shows the amount you are insured for under your policy as the: building sum insured; contents sum insured; Legal liability Insured Event; and/or Portable Contents Cover sum/s insured.We will pay no more than the sum/s insured shown on your Certificate of Insurance unless we havestated differently under: Insured Events (see pages 29 to 38); Additional Benefits (see pages 39 to 46); Optional Covers (see pages 47 to 53); or Gap Cover (see pages 18 and 62).When to take out your policyIf you are buying a house, you may need to take out a policy before the purchase is actually completed.States and Territories have different laws about when the purchaser takes responsibility for the property.In some areas, it is from when the contracts are exchanged. In others, it is when the purchase iscomplete or when the purchaser takes possession. You should check the current requirements in therelevant State or Territory.Taking care of your building and/or contentsWear and tear, poor workmanship and insufficient maintenance, and any resulting damage, are notcovered under this policy (please refer to the General Exclusions).It is important to always maintain your insured address and/or contents in good order and also toprotect them by always using any building security devices installed.Home Insurance Product Disclosure Statement (PDS) – 5 April 202113
More than one policyholderWhere more than one person is named as a policyholder on your Certificate of Insurance, then we arereferring to all people named as policyholders jointly.This means that: an act, statement or omission by any one of the policyholders listed on your Certificate ofInsurance will be taken to be an act, statement or omission by another policyholder listed if thepolicyholder was complicit in, had knowledge of or ought to have been reasonably aware of the act,statement or omission; we may correspond with any of the policyholders named on your Certificate of Insurance and therecipient is responsible for ensuring that all other policyholders are aware of the correspondence; and any policyholder listed on your Certificate of Insurance can change or cancel this policy and itis the responsibility of that person to ensure all other policyholders are aware of the changes orcancellation of the policy.Cooling off periodIf you cancel your policy within 21 calendar days of the commencement date stated on your Certificateof Insurance, we will refund any premium paid provided you have not made a claim.Cancellation by youYou can cancel your policy at any time by contacting us.If you cancel your policy outside the cooling off period, we will refund any unused portion of thepremium to you less any non-refundable Government charges. However, if this amount is 5 or less, wewill not issue a refund.Cancellation by usWe may cancel your policy by giving you notice in accordance with the provisions of the InsuranceContracts Act 1984 (Cth). The circumstances under which we may cancel your policy include, but arenot limited to, where you:14 have made a misrepresentation to us when this policy was entered into, varied, renewed or reinstated; failed to comply with a provision of this policy, including payment of premium; or make a fraudulent claim under any insurance policy (whether or not the policy is underwritten by us)during your Period of Insurance.Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
You must tell us about changes at your addressYou must tell us if anything stated on your Certificate of Insurance changes during the Period ofInsurance. This includes: proposed construction work at your insured address, including renovations, alterations, extensionsand structural improvements with a total retail value of more than 25,000 (whether or not this isthe actual cost to you); if business, commercial or income-producing activities are going to be conducted at yourinsured address; if you have purchased a Residential Home Package and: –are going to lease all or part of your insured address to someone else;–your insured address is going to be unoccupied for 60 consecutive days or more; orif you have purchased an Investment Home Package and:–you decide to no longer lease your insured address; or–your insured address is going to be unoccupied for 60 consecutive days or more.Some changes may not be covered by your policy, and/or we may cancel your policy if some changes occur.If you tell us before you make any changes, we can tell you if we can continue to insure you: under the same terms; or subject to your acceptance of special conditions on your policy, which may change the amount ofyour premium or your excess/es.If we cannot continue to insure you, or you do not agree to any special conditions or change in premiumor excess/es which we may require to continue to insure you, we will cancel your policy.If you do not tell us about changes, we may: reduce the amount we pay in the event of a claim to the extent we have been prejudiced by yourfailure to tell us, potentially to nil; or cancel your policy.Home Insurance Product Disclosure Statement (PDS) – 5 April 202115
The importance of answering ourquestions correctlyWe will ask you questions before we agree to insure you. We may also ask you questions before weagree to renew, extend, vary or reinstate your policy.It is important you answer these questions fully and accurately because they form the basis of ourdecision whether to provide insurance to you and on what terms.If you are not sure how to answer a question or need assistance with answering our questions, pleasecontact us.What is your duty?Under the Insurance Contracts Act 1984 you have a duty to take reasonable care not to make amisrepresentation to us when answering our questions and providing us with information.When does the duty apply?This duty applies until we agree to insure you. It applies again before we agree to renew, extend or varyyour policy and before any reinstatement.It also applies if you use a broker to act on your behalf.What happens if you do not comply with the duty?If you make a misrepresentation in breach of the duty, we may cancel your policy and reduce our liabilityin respect of a claim. If the misrepresentation is fraudulent, we may refuse payment of a claim, cancelyour policy, and treat your policy as if it never existed.16Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
Important information about yoursum/s insuredWe will ask you to nominate your sum/s insured for your building, contents and/or portable contentsitems that you wish to cover under your policy. We will show these on your Certificate of Insurance.We have calculators on our website to help you estimate your sum/s insured.Your building and/or contents sum/s insured will be automatically adjusted on renewal to help keeppace with rising costs, unless you tell us you do not want this to happen. Your Portable Contents sum/sinsured are not adjusted by us. In all cases you remain responsible for ensuring that the sum/s insuredstated on your Certificate of Insurance are accurate. This may result in you needing to increase ordecrease your sum/s insured as you think is appropriate.If you are underinsured, you may expose yourself to serious financial loss.Your building sum insuredIf your building is covered by this policy, you should nominate a sum insured equal to the current totalcost to rebuild it inclusive of GST and all improvements (for example garages, driveways and verandas)including an allowance for demolition and debris removal costs. You should also include an amount forall associated rebuilding costs such as architectural, engineering, surveying, construction fees and legalexpenses.Your contents sum insuredIf your contents are covered by this policy, you should nominate a sum insured equal to the current totalcost of replacing all of your contents inclusive of GST.If you have selected both Portable Contents Cover and Contents Cover under a Residential HomePackage, you do not need to include the value of your portable contents items in your contents suminsured.Where your home is a strata titled property, you should ensure your contents sum insured is alsosufficient to cover fixtures and fittings that are attached to the building that you own or are responsiblefor by written agreement, that are not otherwise insured by the strata management.Your Legal liability sum insuredYour Legal liability sum insured is set by CommInsure and cannot be changed by you.Your Portable Contents Cover sum/s insuredIf your portable contents are covered by this policy and you have selected Customised Cover, you shouldnominate a sum/s insured equal to the current total cost of replacing the item/s inclusive of GST.If you have selected Packaged Cover, you should ensure the limits you select suit your needs.Home Insurance Product Disclosure Statement (PDS) – 5 April 202117
If your sum insured is not sufficient to cover your lossIf your sum insured is not sufficient to cover your loss, we will pay up to an additional 25% of the suminsured stated on your Certificate of Insurance towards the cost of repairing, rebuilding or replacing yourbuilding and/or contents. This is called Gap Cover.Gap Cover does not apply to:18 Portable Contents Cover; Domestic Workers’ Compensation Cover; items with a maximum claim limit; and Legal liability Insured Event.Home Insurance Product Disclosure Statement (PDS) – 5 April 2021
Paying your premiumYou can choose to pay your pre
This document is a Product Disclosure Statement (PDS) and contains important information about the home insurance we offer. This PDS forms part of your policy with us. Please read it carefully and keep it in a safe place. This PDS is provided by Commonwealth Insurance Limited ABN 96 067 524 216, AFSL 235030 (CIL). CommInsure is a registered
The king's insurance options 5 Things you need to know 7 The stuff you need to do 14 How to claim 16 Our commitment to you 20 Car insurance 22 Car warranty 37 Shortfall cover 45 Scratch and dent 46 Tyre and rim 48 Motorbike insurance 53 Trailer and caravan insurance 64 Watercraft insurance 68 Home contents insurance 77 Buildings insurance 89
Home Insurance In case you need to make a claim, tear off the cards below and place in your car, wallet and at home. ANZ MatureChoice Home Insurance is underwritten by CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU Insurance). ANZ MatureChoice Home Insurance 24 hr/7 days Claims Assistance Service Call 1300 306 497
Foy Insurance of MA, LLC 198 Frank Consolati Insurance Agency, Inc. 198 County Insurance Agency, Inc. 198 Woodrow W Cross Agency 214 Woodland Insurance Agency, Inc. 214 Tegeler Insurance Services of CT, Inc. 214 Pantano/VonKahle Insurance Agency, Inc. 214 . Hanson Insurance Agency, Inc. 287 J.H. Slattery Insurance Agency, Inc. 287
WELCOME TO FORTRESS HOME INSURANCE Fortress is a bedroom-rated Home and Contents insurance policy arranged by UK General Insurance Limited on behalf of Great Lakes Insurance SE, UK Branch. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. .
consumer guide to auto insurance contents introduction to auto insurance 1 understanding your auto insurance policy 2 required auto insurance 3 optional types of auto insurance 4-5 getting the right coverage 6 accidents and violations 7 how to shop for auto insurance 8 shopping tips 9 frequently asked questions 10-11 insurance complaints/when you have a problem 12
Jun 30, 2019 · 6/17/2019 Commercial Insurance Branch of Extraco Banks, N.A. Higginbotham Insurance Group, Inc. Insurance Brokers NA 6/13/2019 Links Insurance Services, LLC World Insurance Associates LLC Property and Casualty Insurance NA 6/13/2019 Abram Interstate Insurance Services, Inc. Risk Placement Services,
Life Insurance uers uide Naional ssociaion of Insurance Commissioners Compare the Different Types of Insurance Policies There are many types of life insurance pol-icies. You should choose a policy with fea-tures that fit your individual needs. Some things to consider are: Term Insurance vs. Cash Value In-surance. Term insurance is intended to
Hampshire Insurance Department does not mandate or set Auto Insurance Rates. Auto Insurance Rates will vary by insurance company. This guide is intended to give New Hampshire consumers basic information on auto insurance. It suggests ways to: Lower the cost of your auto insurance, shop for Auto insurance and, file an auto insurance claim.
